Gemini on Question 49, Sep 18

What's the 2025 Roth IRA contribution limit if I'm 50, and what's the income phase-out range for a single filer?

For the 2025 tax year, here are the details for your Roth IRA based on your age and filing status:

1. Contribution Limit (Age 50+)
Since you are 50 or older, your maximum Roth IRA contribution limit for 2025 is $8,000.

•This consists of the base contribution limit of $7,000, plus a $1,000 "catch-up" contribution allowed for individuals age 50 and older.

2. Income Phase-Out Range (Single Filer)
Your ability to contribute directly to a Roth IRA is based on your Modified Adjusted Gross Income (MAGI). For single filers in 2025, the phase-out range is $150,000 to $165,000.

Here is how that affects your contribution:

•If your MAGI is under $150,000: You can contribute the full $8,000.
•If your MAGI is between $150,000 and $165,000: Your maximum contribution amount is reduced (phased out). You will need to calculate your specific allowed, partial amount.
•If your MAGI is $165,000 or higher: You are not allowed to contribute directly to a Roth IRA for 2025.

A quick tip: If your income is above $165,000, you can still get money into a Roth IRA using a legal strategy known as a "Backdoor Roth IRA." This involves making a non-deductible contribution to a Traditional IRA and immediately converting it to a Roth IRA.

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Sep 18, the whole day Question 49, every day

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Date: 2026-09-18 · run 20260918T090022Z-92b6f7 · scorer v1
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Highlighted: the required figures found (3 of 3).

For the **2025** tax year, here are the details for your Roth IRA based on your age and filing status:
**1. Contribution Limit (Age 50+)**
Since you are 50 or older, your maximum Roth IRA contribution limit for 2025 is **$8,000**. 
* This consists of the base contribution limit of **$7,000**, plus a **$1,000** "catch-up" contribution allowed for individuals age 50 and older.
**2. Income Phase-Out Range (Single Filer)**
Your ability to contribute directly to a Roth IRA is based on your Modified Adjusted Gross Income (MAGI). For single filers in 2025, the phase-out range is **$150,000 to $165,000**. 
Here is how that affects your contribution:
* **If your MAGI is under $150,000:** You can contribute the full **$8,000**.
* **If your MAGI is between $150,000 and $165,000:** Your maximum contribution amount is reduced (phased out). You will need to calculate your specific allowed, partial amount.
* **If your MAGI is $165,000 or higher:** You are not allowed to contribute *directly* to a Roth IRA for 2025.
**A quick tip:** If your income is above $165,000, you can still get money into a Roth IRA using a legal strategy known as a **"Backdoor Roth IRA."** This involves making a non-deductible contribution to a Traditional IRA and immediately converting it to a Roth IRA.

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